Page 1 National City Bank Opportunities | Unlimited

Page 2 ■Carrie Valek –District Sales Executive, Vice President –Retail Development Program (RDP) Graduate ■David White –Current RDP Associate

Page 3 Outline ■National City Corporation Overview ■Become a Part of National City

Page 4 Who is National City? ■$141 Billion in assets ■8 th Largest U.S. Bank ■Ranked 2nd among Top Performing Banks by Business Week ■37,000 employees ■1,200+ branches Cleveland Columbus Louisville Indianapolis Detroit Chicago Pittsburgh Philadelphia Toronto St. Louis Headquarters in Cleveland Locations throughout the Midwest, Canada and more…

Page 5 National City is a national organization with operations in 42 states. FF = First Franklin MC = Mortgage Company RB = Retail Branches FF – 1 MC - 7 FF – 1 MC - 6 FF – 8 MC - 31 FF – 1 MC - 6 FF – 1 MC - 9 FF – 3 MC - 13 FF – 1 MC - 3 FF – 1 MC - 1 FF – 1 MC - 1 FF – 1 MC - 5 RB- 39 FF – 1 MC - 3 FF – 1 MC - 1 FF – 1 MC - 26 RB- 100 FF – 1 MC - 7 RB- 169 FF – 3 MC – 29 RB FF – 1 MC - 19 RB FF – 1 MC- 3 MC - 1 FF – 1 MC - 10 MC- 1 FF – 1 MC - 6 FF – 1 MC - 2 FF – 2 MC- 9 MC - 1 FF- 1 MC- 2 MC - 3 FF - 1 MC - 24 MC - 4 MC - 1 MC - 7 RB MC - 3 MC - 8 MC - 1 MC - 2 MC - 16 RB MC - 2 MC- 20 MC - 1 MC - 6 FF- 1 MC - 5 MC - 1 NCC Branch Network NCC Footprint It derives 48% of its net income from outside the 7 state branch network.

Page 6 Who is National City? One of the Largest U.S. Banks Source: Ranked by Assets, Federal Reserve 6/30/05. ■Stock price appreciation: 80% over the last 5 years (during this period, S&P 500 down 20%) ■3rd “Mega Bank” on Fortune magazine’s Most Admired Companies list ■2 nd only to JPMorgan Chase in market share in 7 state retail footprint ■Top Small Business Administration lender in our seven-state market

Page at 6/30/05 Who is National City: A Financial Services Company that has Significantly Grown in Asset Size ■11.7% annualized growth in assets over the last ten years ■Generates over $1 billion of excess capital each year ■10% annualized growth in EPS over the last ten years excluding 1-time gains in 2004 ■8.5% annualized growth in dividends over the last ten years ■8.8% CAGR in the stock price and a 13.1% total return for the 10 years ending 6/30/05

Page 8 Credit Card Credit Card Investment Banking Investment Banking Mortgage Dealer Finance Dealer Finance Capital Markets Capital Markets Investment Real Estate Investment Real Estate Retail Banking Wealth Management Wealth Management Wholesale Banking Wholesale Banking Small Business Lending Small Business Lending Who is National City: A Financial Services Company that Provides a Full Suite of Products and Services Consumer Banking Consumer Banking Institutional Asset Management

Page 9 1Q-2005 net income, excludes parent Wholesale Bank 30% Consumer & Small Business 27% National Consumer Finance 25% National City Mortgage 14% Asset Management 4% Who is National City: A Diversified Financial Services Company

Page 10 Who is National City: Ultimately It Is Our People Talented and Engaged People Disciplined Execution Transparency of our Results Best In Class The Right Strategies + = + + “Drivers of Future Performance” presented to shareholders on May 26, 2005

Page 11 Who is National City: A Company of People Who Come From Great Places ■Carnegie Mellon ■Case Western Reserve ■University of Chicago ■Dartmouth/Tuck School of Business ■Harvard ■Indiana University ■University of Michigan ■Purdue ■Ohio State ■University of Rochester ■William & Mary ■Wharton School of Business ■Yale ■Bank of America ■Dell Computer ■Ernst and Young ■General Electric ■IBM ■JP Morgan Chase ■KPMG ■McKinsey ■Morgan Stanley ■PepsiCo ■PricewaterhouseCoopers ■Toronto Dominion ■UBS Top UniversitiesWell-Known Employers Graduates and alumni from top schools represent:Recent executives hires (partial list) bring experience from:

Page 12 ■National City Corporation Overview ■Become a Part of National City

Page 13 Career Opportunities ■Management Training Programs –Commercial Banking –Corporate Audit –Corporate Operations, Loan Services, and Information Services (COIS) –Retail Development Program (RDP)

Page 14 What is the RDP? ■It’s a month comprehensive training program designed to prepare you for a professional sales or management role within the branch network ■On-the-job learning, classroom training and an extensive peer network will help you develop key competencies for long-term career success

Page 15 The Program – 4 components RDP Customer Service Sales and Service Advanced Sales Management Training

Page 16 The Requirements ■3.0 Cumulative GPA or higher ■Preferred degrees include: –Marketing –Management/General Business –Finance/Economics ■Other degrees are accepted with previous banking or retail experience

Page 17 Defining Strengths ■Aptitude to sell financial solutions to customers and establish business relationships ■Experience leading teams ■Strong communication skills ■Analytical thinking and problem solving ■Desire to win ■Entrepreneurial spirit

Page 18 We offer ■Strong history and financial performance ■Commitment to employee development ■Competitive salary plus incentive ■Great benefits ■Peer network

Page 19 Elements of success ■Be a team player ■Take initiative ■Build relationships ■Take responsibility for your actions ■Be aware of your skills, attitude, purpose and goals

Page 20 Q & A

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